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  1. I probably would agree with your opinion regarding the "extra house" with other circumstances. I am at a different age/stage/physical conditions. This gets to the comment cv91915 made "There just isn't enough time to write 12,000 words with if/then/else statements in every response." I have different options I am open to regarding the house/location/and what it offers. While financial benefits are one part of the scope, living and enjoying within your means with what you have available based on your conditions another factor. The nice 2 bedroom across the street from the canal d
  2. Let me start off answering that by saying, I enjoy doing Cost Anaylsis(self taught and always learning more). So that answer is of course easy and complicated:) I understand the middle score is used. If I use my current middle score right now for a mortgage, it would be around $25 more per month over my current rent. I used the Zillow-estimate of the house I am currently renting which is of a higher value because it is on a canal with access to the gulf. My scores going up starting next month and forward will push me into higher brackets improving the savings. I hav
  3. Agree, working on the 6 months of savings, slowly but surely. That is where an opportunity comes along (even in misery) that I am weighing all options to see if the risk is low enough etc. etc. What about the AU I mentioned above in original post; I am thinking it is time to cut ties with it. Where I would lose length of AAOA from over 2 years down to 1.6 years but would gain more in my scores with the Utilization going from 44% to 27%, correct???
  4. damba, If you are talking about the VA funding fee, yes it would be waived in my situation. The VA allows it to be financed with the loan. Appreciate your thoughts. I am not rushing in, just pacing myself and seeing possible opportunity to hit an extremely lower window than normal when it comes to VA int/rates. With this window of opportunity coming up, knowing I am not 100% ready, just seeing how I can fit into that window if possible now to get the benefits from this rare moment. My thought is catching the VA lowered interest rate window now (next 6 mon
  5. Yes---definitely want to take advantage of dropping of mortgage rates "if possible". They are not the mortgage FICO scores, but the valid FICO (not fako) scores from BOA, DCU, and Experian. I went back and looked at when I purchased FICO report 4/27/2019 Equifax score 651....mortgage FICO 5 score was 695. It had these Negative Factors which have changed a bit- 1. You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report. 2. You have a short credit history. 3. You've made heavy use of your available rev
  6. Hello, Hope all are as safe as can be under the circumstances. My road back has me closer to getting my first mortgage. Currently I have scores 636 to 653 <---with 62% utilization. As of last week I have lowered my overall utilization depending on which way you look at it; which brings me to my first question. Utilization with AU is 44%-----------------AAOA--2 years (once all new balances are reported) Utilization w/out AU is 27%---------------AAOA--1.6 years-----thinking this would put my scores in the 660-670 range??? My ol
  7. Hello, I went ahead and dove into the new truck (previous posts debating back and forth etc). I will sell the used truck on craigslist/hoping to come out better than the $800-$1k the dealership mentioned. I prequalified through CapOne first, $35k at 7.85%. Truck cost more so I ended up with 9.99% at PNC. CapOne would not go up the few grand which I understand. My credit scores (fico 8 ) are 624 to 636 but of course different with the versions used for auto financing. Understanding where my credit sitrep stands I was ok with the CapOne 7.85%. Updating m
  8. WestCoastKid, I know the wisdom spoken above comes from the experienced ones; but I like you feel that want, though it feels like a need to get that unsecured card. We are in similar boat with baddies and scores (mine range from 606-628). I got my QS1 after 4 months with my Cap1Plat. Psychologically the unsecured card feels great even at the smaller limit. It was a hurdle. I know and believe what the elders are saying as they helped me way back in 2011ish. I figured I would do the CapOne Product Change when I can upgrade the card to get out of the subpri
  9. Thanks Bradk14! I did that with a PAL (Payday Alternative Loan) from Suncoast Credit Union, so I know what you are talking about. I used that $1k and opened a secured SKY credit card. Paying that PAL down to under 30% this next month. This PAL reports as a Line Of Credit. Both of these have been reporting positive the past 6-7/months. The Saving Secured Loan, I will immediately get it to the 30% mark and then payments for the build/help. Thanks.
  10. CV91915, using your key words triggers, notifications, I came up with this link from Experian rather quickly: http://www.experian.com/assets/consumer-information/case-studies/first-financial-collection-triggers.pdf Wow...was not aware of the trigger and notifications that go out to the debt collectors based on us spending money to get the report. Probably all in the super fine print somewhere.
  11. Hello, I come across an interesting pattern or "coincidental timing" of account review inquiry by what seems to be potential debt collectors when I have done certain actions. I was reviewing my TU via backdoor and was going down the listings in the Account Review Inquires section when a date stuck out in my mind in March/2018. This was the date I officially bit the dust and started my real fight on repairing/rebuilding my credit that I have posted on my visual board on my wall. Specifically, I purchased the 3B report from myfico so I could have my official Fico-8 sc
  12. Hey Shifter, Yes typo as scores are between 606-628(fico-8)....thanks for the catch. I should have clarified that simulators was reducing my total utilization down below the 30% to under 10% which seems to coincide with what is said on here and most write-ups targeting optimizing the credit score. I definitely get what you are saying about the bigger fish to fry as I am working on ways to crack the remaining few baddies. The Midland I can ride it out till May or early deletes. The remaining 3 are the tougher nuts/working on the angle of attacks on them.
  13. Hello, 1. I do not have an installment loan (just credit cards and 1 retail card). Well, I do have written off Santander vehicle loan and 2 others that show up on my credit reports as "installment loans" (Midland--Credit One cc, and NCB which bought from Santander). <---collections correctly listed on my reports? I am thinking about getting a secured saving loan like the old Alliant hack to increase my score a bit, pay it down to low utilization marks, under 30% and then under the 10% to maximize/help score. The question here is will this secured saving loan still give me
  14. Thank you ALL for keeping me focused and avoid the pitfalls of my brainstorm (drizzle storm-lol) I did call the Tax Collector office today and they were able to verify that TranSouth was in fact what they had in the ELT system. The Rep also told me that it was a paper title, not electronic.
  15. MarvBear, that is exactly what I need!!! I don't want false air/hope in my bubble so your info or others will keep me grounded and is much appreciated!!! I will confirm this upcoming week at a dealership exactly what is stated in the ELT system. I had looked up the information online from the Florida Department of Highway and Safety's website based on my vin# and found out they are showing the TranSouth Financial Corp info. The vehicle information check shows "paper title with lien" on Florida Dept's website. My goals- -Clearing up baddies on my credit reports
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